Apple Wallet has evolved far beyond basic payment cards with iOS 27 introducing powerful new features. You can now create custom passes for unsupported apps like gym tags or Costco memberships using Apple Intelligence to scan physical cards or templates. The app also adds native bill splitting via Apple Cash — just photograph a receipt to automatically calculate items, tax, and tips, then request or send payments directly.

For travelers, digital IDs and US passports are supported in 15 US states and Puerto Rico, usable at TSA checkpoints for domestic flights (physical passport still required internationally). Express Mode enables tap-to-pay transit in cities like New York City and Los Angeles without waking your iPhone or Apple Watch, functioning even in power reserve mode after battery depletion. Additional tips include managing order tracking from Apple Pay merchants and using Apple Account balance for subscriptions. These tools transform Apple Wallet into a comprehensive digital hub for payments, identity, and daily essentials.